[Remote] Senior Underwriter at Gravie

Remote

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Not SpecifiedCompensation

Senior (5 to 8 years), Expert & Leadership (9+ years)Experience Level

Full TimeJob Type

UnknownVisa

Health Insurance, HealthcareIndustries

Requirements

Candidates must have over 7 years of underwriting experience in group health insurance, with deep knowledge of level-funded/self-funded products. Experience underwriting complex, large group cases and/or stop-loss arrangements is required, along with strong leadership, decision-making, negotiation, and influencing skills. The ability to confidently articulate underwriting rationale to senior leadership or large broker audiences is also necessary.

Responsibilities

The Senior Underwriter will lead pricing, risk evaluation, and underwriting strategy for Gravie's proprietary Comfort health plan and other level-funded/self-funded insurance offerings. Responsibilities include independently underwriting complex and high-value cases, managing the performance and profitability of an assigned block of business, and serving as a technical expert in pricing and risk assessment. This role involves shaping underwriting philosophy, tools, and pricing models, mentoring junior underwriters, partnering with Sales and Leadership, and contributing to product development and market competitiveness analysis.

Skills

Underwriting

Pricing

Risk Evaluation

Level-Funded Products

Self-Funded Insurance

Business Acumen

Sales

Product Development

Underwriting Operations

Market Competitiveness

Underwriting Engine

Rating Output

Gravie

Health benefits and insurance solutions provider

About Gravie

Gravie provides health benefits by offering straightforward and affordable health plans, primarily targeting individuals and small to midsize businesses. Their main product, Comfort, stands out because it has no deductible and no copays for most common healthcare services, allowing members to access care without unexpected costs. Additionally, Comfort includes virtual care options for musculoskeletal and mental health issues. Gravie also offers a payment solution called Gravie Pay, which enables members to pay for healthcare expenses interest-free, further easing financial stress. Unlike traditional health plans, Gravie claims that Comfort members save on out-of-pocket costs, and employers switching to Gravie often see lower premium expenses. The company has a high retention rate, indicating that many employees choose to continue with the Comfort plan in subsequent years. Gravie's goal is to simplify health benefits and reduce the financial burden of healthcare for its members.

Minneapolis, MinnesotaHeadquarters

2013Year Founded

$333.3MTotal Funding

DEBTCompany Stage

Fintech, HealthcareIndustries

201-500Employees

Benefits

Health Insurance

401(k) Retirement Plan

401(k) Company Match

Paid Holidays

Paid Vacation

Paid Sick Leave

Flexible Work Hours

Paid Parental Leave

Wellness Program

Alternative Medicine Coverage

Cell Phone Reimbursement

Transportation Perks

Education Reimbursement

Paid Paw-ternity Leave

Risks

Potential backlash from traditional insurers could increase competition or lobbying.

Rapid ICHRA adoption may invite regulatory scrutiny or changes.

Aggressive expansion strategy could strain resources and lead to inefficiencies.

Differentiation

Gravie's Comfort plan offers zero deductibles and copays, unlike traditional health plans.

Gravie Pay provides interest-free payment solutions, reducing financial burdens for members.

Focus on virtual healthcare services enhances accessibility and member satisfaction.

Upsides

Increased ICHRA adoption since 2020 expands Gravie's market opportunities.

Comfort plan's zero-deductible model attracts cost-conscious employers and employees.

Virtual healthcare services align with rising demand, boosting member engagement.

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